So if EtherMail uses wallet-linked verification, do we still need hardware wallets and offline key storage for crypto security?

With the new tariff policies, the crypto has faced the loss of $430 billion. What are the reasons for this loss? As an investor, should I need to worry about this? Will the market recover from this loss?

My partner and I are 30 with a 2-year-old kid. I would like to buy a 25-year term insurance for my family but I don’t know from where to start. So tell me what is the good question to ask when purchasing insurance while choosing an insurance company?
My current investments are $900k, no debt.